US Banks and Credit Unions

banks-credit-unions

Every active FDIC-insured bank and federally insured credit union, largest by total assets first.

Index 12.0 · scanned 2026-10-11 · up to 32 URLs per site · 8519 organizations · 7198 scanned (84.5% coverage) · 499 with no published URL · scored as financial-services

Median score 54 across 7198 sites
Middle half 47–60 spread around the median
Full range 16–77 lowest to highest
Gated 2722 of 7198 block AI crawlers outright

Middle of 14 cohorts. All cohorts 50 · best cohort 58.

Where this list came from

The source, and how we filtered it

Source FDIC BankFind institutions and NCUA quarterly call report data (FOICU, FS220, FS220D), Federal Deposit Insurance Corporation (FDIC) and National Credit Union Administration (NCUA) (2026-10-09 (FDIC); 2026-06 call report (NCUA))
LicenseWorks of the United States federal government. Not subject to domestic copyright (17 U.S.C. § 105).
How we filtered itActive FDIC-insured institutions from BankFind (ACTIVE:1), with the website the institution reported (WEBADDR) and total assets (ASSET, in thousands of dollars), plus every federally insured credit union in NCUA's June 2026 call report data: name and location from FOICU, total assets (ACCT_010, dollars) from FS220 and the website the credit union gave on its call report (ACCT_891) from FS220D. Both are put in dollars and the list is ordered by total assets, largest first, so the rank is the order. A `kind` tag on each row says bank or credit union. An address is taken as reported and reduced to the site root; a blank stays a row with a note, never searched for. Institutions that share a website (banks of one holding company, mostly) are all kept and the site is measured once. See scripts/prepare_banks_credit_unions.py.
Built2026-10-11

The filtering is ours and is disclosed as ours. The source published a list; the decision about which rows of it belong in a cohort was a judgment call, and it is written down so somebody can disagree with it.

Distribution

Where the 7198 sites land

GradeShare of the cohort SitesShare
Adequate
1862 25.9%
Weak
4440 61.7%
Not ready
878 12.2%
Strong
18 0.3%
By dimension

What the cohort earns, dimension by dimension

The mean share of each dimension’s available points that this cohort earned. Low here means the whole sector is weak on it, not that one site dragged an average down. The per-site spread is in the dataset.

DimensionMean share earned Mean
#1 · Reach
These parameters determine the fundamental ease of access that AI has to your site information.
74%
#2 · Read
AI generally turns off JavaScript. Does your site information survive without it?
47%
#3 · Understand
Does a machine know who and what you are?
27%
#4 · Act
Sitemaps, redirects, 404s, licensing terms, and not wasting the crawl budget.
66%
How much of each site we read

The cap is 32 URLs and it is a ceiling, not a promise. A portal whose every link points at a different host yields one page; a university yields the full sample. The median here is 32, the range 1–32, published so that "we sampled 32 URLs per site" cannot become a claim the data does not support.

67 sites in this cohort served a certificate we could not verify. They were read anyway and scored normally, because reporting no response for a site every browser loads would describe our TLS stack rather than the site, and each one carries the finding in its row.

Where this cohort fails

4 tests almost nobody in this cohort passes

Universal — nobody passes these 4 checks
TestWhat it asks FailingOf Points
EXT-12 Do you tell search engines the moment a page changes?
100.0% 		7198 0
EXT-14 Does your site offer its actions to AI browsers as tools?
100.0% 		6856 0
EXT-16 Do you publish a card or a skills list for the agents you run?
100.0% 		7198 0
EXT-17 Do you list your agents in your domain's DNS records?
100.0% 		7060 0
Near-universal — 95% and above 11 checks · 3 of them worth 2 points or more
TestWhat it asks FailingOf Points
EXT-11 Have you marked the part of a page that answers a spoken question?
99.9% 		7198 0
EXT-7 If you run real question-and-answer pages, are they marked as such?
99.7% 		326 0
PST-2 Have you posted a Content Signals statement about what AI may do with your content?
99.5% 		7198 0
EXT-18 Do you tell AI shoppers how they can pay?
99.4% 		516 0
RED-12 If a machine asks for Markdown, does your site give it?
99.4% 		7198 2
EXT-2 Do you list your APIs and agent tools where agents look for them?
99.2% 		603 0
RED-10 Do you offer a plain-text (Markdown) copy of your pages?
99.0% 		5669 2
UND-1 Does your site say clearly who you are?
97.8% 		7198 2
UND-5 Does the author label in your page code point to that person?
97.6% 		5095 1
RED-5 Do your PDFs and images have their own rules for search and quoting?
97.4% 		5472 1
EXT-1 Do you publish an llms.txt file for coding assistants?
95.0% 		7198 0
Common — 90 to 95% 7 checks · 3 of them worth 2 points or more
TestWhat it asks FailingOf Points
RED-11 Does each page tell machines where its Markdown copy is?
94.9% 		59 1
UND-2 Does your site use the page labels that search engines still read for what you publish?
94.5% 		7197 3
PST-4 Have you reserved your text and data mining rights in a form machines can read?
92.3% 		7198 0
EXT-13 Can an assistant ask your site a question directly?
92.2% 		7198 0
EXT-4 Can an AI assistant connect to your site as a tool?
91.7% 		7198 0
UND-3 Do the prices and availability in your page code match what the page shows?
90.5% 		516 3
UND-10 Does your page code link to your official profiles elsewhere?
90.1% 		7198 2

Coral bars mark tests worth 2 points or more, the failures that actually move a score.

Every site

Every 8,519, named, with a report for each

Whether or not it has been scanned. Rows with no website on record, sites that were unreachable and sites that turned us away stay in the table with the reason on them, and none of them enters an average: dropping them would shrink the population to the part that was easy to measure. A few points between two neighbors is noise. The box filters every row in the cohort, not only the page you are on; click a header to sort the rows on this page by name or by score.

Showing 601–700 of 8,519 · page 7 of 86

SiteScore GatedPages read Report
The Fidelity Deposit and Discount Bank bankatfidelity.comFDIC 11868 · Dunmore, Pennsylvania 59 No 32
TIB National Association tib.bankFDIC 23647 · Farmers Branch, Texas 48 No 1
Texas Regional Bank trb.bankFDIC 26906 · Harlingen, Texas 51 Gated 32
West Coast Community Bank wccb.comFDIC 57591 · Santa Cruz, California 69 No 32
First Federal Savings and Loan Association of Lakewood ffl.bankFDIC 29488 · Lakewood, Ohio 60 No 32
Minnwest Bank minnwestbank.comFDIC 16958 · Redwood Falls, Minnesota 58 No 32
State Department sdfcu.orgNCUA 435 · Alexandria, VA 41 Gated 32
Bryant Bank bryantbank.comFDIC 57997 · Tuscaloosa, Alabama 54 Gated 32
Three Rivers 3riversfcu.orgNCUA 159 · Fort Wayne, IN 64 No 32
Nextier Bank, National Association nextierbank.comFDIC 7900 · Kittanning, Pennsylvania 33 Gated 1
Arrowhead arrowheadcu.orgNCUA 24973 · Rancho Cucamong, CA 29 Gated 1
Commonwealth ccuky.orgNCUA 24970 · Frankfort, KY 61 No 32
Wayne Bank wayne.bankblockedFDIC 698 · Honesdale, Pennsylvania; not measured: HTTP 403 (Cloudflare) — No —
Cedar Rapids Bank and Trust Company crbt.bankFDIC 57244 · Cedar Rapids, Iowa 52 No 32
Consumers consumerscu.orgNCUA 62172 · Oshtemo, MI 57 No 32
National Exchange Bank and Trust nebat.comFDIC 10044 · Fond Du Lac, Wisconsin 28 Gated 1
American First National Bank afnb.comFDIC 34656 · Houston, Texas 55 No 31
Lake Trust laketrust.orgNCUA 62047 · Brighton, MI 56 Gated 32
Merchants Bank, National Association merchantsbank.comFDIC 8866 · Winona, Minnesota 68 No 32
West Texas National Bank wtnb.comFDIC 22957 · Midland, Texas 46 Gated 32
Jefferson Bank jeffersonbank.comFDIC 16470 · San Antonio, Texas 68 No 32
Credit Union 1 creditunion1.orgNCUA 68727 · Lombard, IL 50 No 32
BayCoast Bank baycoast.bankFDIC 90196 · Swansea, Massachusetts 53 Gated 32
WebBank webbank.comFDIC 34404 · Salt Lake City, Utah 47 No 1
Bank Independent bibank.comFDIC 16604 · Sheffield, Alabama 66 No 32
Industrial and Commercial Bank of China USA, National Association icbc-us.comFDIC 24387 · New York, New York 53 No 1
Hawaii State hawaiistatefcu.comNCUA 1718 · Honolulu, HI 67 No 32
ANB Bank anbbank.comFDIC 19220 · Denver, Colorado 50 Gated 32
Lakeside Bank lakesidebank.comFDIC 19573 · Chicago, Illinois 57 No 32
American Momentum Bank americanmomentum.bankFDIC 58309 · College Station, Texas 58 No 32
Armstrong Bank armstrong.bankFDIC 2315 · Muskogee, Oklahoma 57 No 31
Habib American Bank hab.bankFDIC 25093 · New York, New York 48 No 1
Medallion Bank medallionbank.comFDIC 57449 · Salt Lake City, Utah 58 No 32
Penair penair.orgNCUA 68734 · Pensacola, FL 62 No 32
Emprise Bank emprisebank.comFDIC 4789 · Wichita, Kansas 55 Gated 32
Chemung Canal Trust Company chemungcanal.comFDIC 597 · Elmira, New York 59 Gated 32
State Bank of the Lakes, National Association sbotl.comblockedFDIC 5744 · Antioch, Illinois; not measured: HTTP 406 — No —
Florida flcu.orgNCUA 60497 · Gainesville, FL 33 Gated 1
Bank of New Hampshire bnh.bankFDIC 18012 · Laconia, New Hampshire 57 No 32
Orange Bank & Trust Company orangebanktrust.comFDIC 12944 · Middletown, New York 59 Gated 32
Capital capitalcu.comNCUA 66865 · Green Bay, WI 60 No 32
Citizens and Farmers Bank cffc.comFDIC 10363 · West Point, Virginia 63 No 32
America's First amfirst.orgNCUA 24534 · Birmingham, AL 68 No 32
Oregon State oregonstatecu.comblockedNCUA 68656 · Corvallis, OR; not measured: HTTP 403 — No —
Ion Bank ionbank.comFDIC 18198 · Naugatuck, Connecticut 57 Gated 32
Bayport bayportcu.orgNCUA 24979 · Newport News, VA 48 No 1
Sunrise Banks, National Association sunrisebanks.comFDIC 18561 · Sioux Falls, South Dakota 63 No 32
Quad City Bank and Trust Company qcbt.comFDIC 33867 · Bettendorf, Iowa 65 No 1
Corning corningcu.orgNCUA 1644 · Corning, NY 30 Gated 25
Avidia Bank avidiabank.comFDIC 90215 · Hudson, Massachusetts 58 No 32
Partners partnersfcu.orgNCUA 18708 · Burbank, CA 60 No 32
American Eagle Financial americaneagle.orgblockedNCUA 68659 · East Hartford, CT; not measured: HTTP 403 (Cloudflare) — No —
Y-12 y12fcu.orgNCUA 6775 · Oak Ridge, TN 28 Gated 1
Lead Bank lead.bankFDIC 8283 · Kansas City, Missouri 49 No 32
Abound aboundcu.comNCUA 7000 · Radcliff, KY 59 No 32
Magnifi Financial mymagnifi.orgNCUA 68604 · Melrose, MN 55 No 32
Open Bank myopenbank.comFDIC 57944 · Los Angeles, California 33 Gated 1
State Bank of Southern Utah sbsu.comunreachableFDIC 17964 · Cedar City, Utah — No —
Polish & Slavic psfcu.comNCUA 22592 · Brooklyn, NY 44 Gated 32
Cornerstone Bank cornerstoneconnect.comFDIC 5496 · York, Nebraska 57 No 32
Together togethercu.orgNCUA 62715 · Saint Louis, MO 55 No 32
Westfield Bank westfieldbank.comFDIC 90300 · Westfield, Massachusetts 57 Gated 32
Home Federal Bank of Tennessee homefederalbanktn.comFDIC 29683 · Knoxville, Tennessee 64 No 32
Pinnacle Bank pinnbanktx.comFDIC 20231 · Fort Worth, Texas 51 Gated 32
Tradition Capital Bank tradition.bankFDIC 58057 · Wayzata, Minnesota 47 Gated 32
Connecticut State Employees csecreditunion.comNCUA 65728 · Hartford, CT 57 No 32
Planters Bank & Trust Company planters-bank.comblockedFDIC 8235 · Indianola, Mississippi; not measured: HTTP 403 — No —
CalPrivate Bank calprivate.bankFDIC 58291 · La Jolla, California 28 Gated 1
Ttcu ttcu.comNCUA 24887 · Tulsa, OK 62 No 32
Beverly Bank & Trust Company, National Association thebeverlybank.comblockedFDIC 57701 · Chicago, Illinois; not measured: HTTP 406 — No —
Aberdeen Proving Ground apgfcu.comNCUA 2540 · Aberdeen, MD 52 No 32
Andrews Federal Credit Union andrewsfcu.orgNCUA 5754 · Suitland, MD 48 No 1
INB, National Association inb.comblockedFDIC 3664 · Springfield, Illinois; not measured: HTTP 403 — No —
Interaudi Bank interaudibank.comFDIC 24516 · New York, New York 55 No 3
Machias Savings Bank machiassavings.comFDIC 19531 · Machias, Maine 36 No 7
Hawaiiusa hawaiiusafcu.comblockedNCUA 1815 · Honolulu, HI; not measured: HTTP 403 (Cloudflare) — No —
Avidbank avidbank.comblockedFDIC 57510 · San Jose, California; not measured: HTTP 403 — No —
L & N lnfcu.comNCUA 9260 · Louisville, KY 63 No 32
Altura alturacu.comNCUA 24969 · Riverside, CA 56 No 32
JSC wellbyfinancial.comNCUA 14762 · Houston, TX 59 No 32
Credit Union of Texas cutx.orgNCUA 66327 · Allen, TX 54 No 32
FCB Banks fcbbanks.comFDIC 33005 · Collinsville, Illinois 33 Gated 1
Credit Union of Colorado, A cuofco.orgNCUA 24854 · Denver, CO 67 No 32
One Community Bank onecommunity.bankFDIC 22334 · Oregon, Wisconsin 65 No 32
DOW dowcreditunion.orgNCUA 60137 · Midland, MI 58 No 32
Republic Bank of Chicago republicebank.comFDIC 19333 · Oak Brook, Illinois 52 No 31
North Shore Bank northshorebank.comFDIC 28679 · Brookfield, Wisconsin 48 No 1
Fidelity Bank & Trust bankfidelity.com;www.bankfidelity.bankFDIC 14382 · Dubuque, Iowa 33 Gated 1
Dedham Institution for Savings dedhamsavings.comFDIC 23620 · Dedham, Massachusetts 58 Gated 32
Hughes hughesfcu.orgNCUA 7531 · Tucson, AZ 41 No 1
KS StateBank ksstate.bankFDIC 19899 · Manhattan, Kansas 60 No 32
Columbia Community columbiacu.orgblockedNCUA 68186 · Vancouver, WA; not measured: HTTP 429 — No —
Meridian Bank meridianbanker.comblockedFDIC 57777 · Wayne, Pennsylvania; not measured: HTTP 403 — No —
Allegacy Financial allegacy.orgNCUA 24438 · Winston Salem, NC 57 No 32
Wells Fargo Bank South Central, National Association wellsfargo.comFDIC 5146 · Houston, Texas 52 Gated 32
South Carolina scfederal.orgblockedNCUA 1022 · North Charlesto, SC; not measured: HTTP 403 (Cloudflare) — No —
State Bank of Texas sbt.bankFDIC 27074 · Irving, Texas 58 Gated 32
First National Bank fnbank.netFDIC 3887 · Paragould, Arkansas 62 No 32
A+ aplusfcu.orgNCUA 6178 · Austin, TX 64 Gated 32
Texans texanscu.orgNCUA 60806 · Richardson, TX 48 No 1

Scores are for the population, not for ranking two named sites against each other. A few points between neighbors is noise. See what these numbers can and cannot support. Data: sites.csv · checks.csv · summary.json